Buildings and Contents Insurance

Fixed for 2 years*

The smart way to buy Buildings and Contents Insurance is together in one single, combined policy, rather than as separate cover; insurers offer the best value deals to those that do and it also keeps things nice and simple if you need advice or have to make a claim.
At Policy Expert we work with the best quality providers to ensure all policies come with a good minimum level of cover as standard. Additionally, our broker status and flexible approach to optional extras means we can offer the guidance and flexibility needed so that your home and possessions are protected from damage, theft and loss in the right way, at the right price.
Policy Expert Home Premier. 5 Star rated by Defaqto
Policy Expert Home Premier

Buildings Insurance - Standard Cover in our policies:

  • Properties of most shapes, sizes and construction types covered, up to a rebuild value of £1 million.
  • Garages, sheds and outbuildings covered as standard.
  • Accidental Damage Cover for damage to mains services, fixed bathroom fittings and fixed glass only.
  • Alternative Accommodation for your family if your home becomes uninhabitable.
  • Trace & Access – Our insurers don't just fix the damage, they can also help to diagnose the root of the problem.
  • Property owner's liability insurance.

Optional Extras:

  • Extend your Accidental Damage Cover for full protection, whether it’s a foot through the bedroom ceiling or a nail driven into a pipe, you’re covered.
  • Add Legal Expenses Insurance to provide up to £50,000 of legal expenses towards protecting your home rights. Find out more.
  • Add Home Emergency Cover to give peace of mind when disaster strikes. Find out more.

Contents Insurance - Standard Cover in our policies:

  • Cover for typical household contents you keep in your home – choose your amount up to £100,000.
  • Alternative Accommodation if your home becomes uninhabitable (even if you don’t have Buildings Cover with us).
  • Accidental Damage Cover to protect from mishaps to mirrors, ceramic hobs and glass (such as oven doors and glass-topped tables). Some policies will cover damage to TVs, desktop PCs and games consoles as standard too.
  • Valuables and high-risk items cover provided as standard (total limits apply, ranging from £10,000 to £30,000 depending on insurer). No need to specify items worth less than £2,000 and you can cover individual items worth up to £15,000.

Optional Extras:


Here are a few commonly asked questions about Buildings and Contents Insurance

What sort of Home Insurance do I need?

Buildings Insurance covers the entire structure of your home, including roofs, walls, fences, hedges and gates. Most mortgage lenders require Buildings Insurance as part of the lending agreement.

If you do not own your property then you cannot insure it, however you may wish to purchase Contents Insurance which covers your belongings and valuables in your home.

If you need to purchase combined insurance then it is often better to buy them together in one single policy rather than as separate cover; insurers offer the best value deals to those that do and it also keeps things nice and simple if you need advice or have to make a claim.

Why choose Policy Expert?

  • We are rated the UK’s Number 1 Home Insurance provider!
  • We have a UK-based customer service and claims team
  • We provide online access to all of your policy documents
  • There are no hidden fees – what you see is what you get
  • All of our policies are written in Plain English, not insurance jargon
  • We can fix your price for two years

What you'll need to run a quote

  • Your address (type of property, roughly when it was built, number of rooms)
  • General information about your property such as the types of locks used
  • Who lives there, and when are people typically at home
  • How much would it cost to rebuild (we’ll suggest a figure based on your postcode)

Home Insurance Service Reviews

84%
average customer rating for our service
(from 3,410 reviews)
4 4/5 Renewal
I have never made a claim so I don't know how good you are but you have excellent rates and mannerly efficient staff.

4 4/5 Renewal Cover
Got a fantastic deal from Policy Expert after informing them I would not be renewing my policy after having done for 2 consecutive years. They matched and exceeded the cover I was being offered by others and my payments are £10 cheaper per month than they were previously quoting to continue with my previous policy. I am giving them 4 stars instead of 5 only because of not being offfered the best deal immediately, but I give them 5 stars + for the quality and preciseness of the customer service they provided me with.
...more

5 5/5 Nothing to complain about.
Cheapest and best policy. Everything included. Friendly helpful customer service.

5 5/5 Excelent
I managed to do this all on-line...without any complications.

4 4/5 Renewing Insurance
Very helpful and patient with our queries.

5 5/5 Excellent would recommend
Onto our third policy with them and no doubt they provide great customer service and easy affordable no hidden extras insurance. Have had to change it mid term to increase value and then to move properties and has been really easy to do and manage. Not had to use for a claim yet thankfully so can not comment on that side. Although I trust it would be stress free and easy.
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5 5/5 how to insure your home & contents
Great price, all the bells & whistles included. NO extras which is what people want

5 5/5 Excellent service
Excellent service emailed me to let me know my policy was due had a while to think about renewing it.

5 5/5 Home Insurance
Very happy with service given

5 5/5 Home insurance
Great prices for great services

5 5/5 home insurance
customer services very helpfull and very happy with price of my home insurance

5 5/5 Satisfied customer
First class service, queries answered, problems solved. deal done Thanks

4 4/5 Lets wait and see!
Good price for cover required. Unable to review properly unless a claim is made on the policy (which I hope no claim will be made). That's when a review would be most important and what the prospective policy holders need to see.
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5 5/5 Good service
All communications to date have been fine, no issues at all.

5 5/5 Excellent service
Very competitive rate and fixed for two years. Saves searching for another insurer. Friendly, helpful staff

5 5/5 Really good value
Easy to complete application and fantastic price when compared with others.

5 5/5 Easy to use
The website was easy to use .

5 5/5 Nice an easy
Pleasant advisor.

4 4/5 very pleased
Pleased with service

5 5/5 Excellent, friendly service.
Very competitive quote, friendly telephone operator, brilliant!

Home Insurance Claims Reviews

96%
average customer rating for our claims
(from 25 reviews 1)
5 5/5 First Class!

I would like to thank you for your communication with me over this claim.
I think the attention you have paid to my claim has been first class.
Thank you again

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5 5/5 A personal thank you…

Just a short note to say a personal thank you for your prompt attention to my claim.
I am impressed by the willing attention to all matters leading to a prompt conclusion. Funds received today!

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5 5/5 The service was outstanding

The service was outstanding from reporting the issue to resolving it last night. Can’t thank you enough.

5 5/5 Wow!

Wow! I’m so impressed! I never imagined this would be so straight forward, thank you so much for brilliant service

4 4/5 Quick response

This has been a very traumatic time which has been made easier with your quick response and efficiency. I really can’t thank you enough

5 5/5 Swift help and concern

Thank you for your swift help and concern, I really appreciates it and have been with this insurance for a few years and I’m pleased with everything that’s been dealt with

...more
4 4/5 We can not thank you enough

We can not thank you enough for all your assistance and help

5 5/5 Policy Expert will always look after us

We want to thank Roy and all others at Trinity Claims Team who may be involved for the excellent service which we have received throughout the process of our claim.

There has been common sense, politeness, good will and fairness all the way.
And it has been carried out with speed too. Many many thanks.

Our house is now back to normal and we feel confident that Policy Expert will always look after us.

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5 5/5 First ever claim

I’d also like to take this chance to say how overwhelmed I am with the speed with which you have dealt with my claim and the extraordinary level of customer service offered to me. This is the first time I’ve had to claim on my insurance and I’d like to say a special thank you to yourself, Toby and Alexia for making this process so much easier than I thought it would be.

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4 4/5 Friendly and efficient

Just wanted to say thank you for your friendly and efficient handling our call this morning following our fire.
It was a frightening experience for us but you certainly helped.
Once again, thank you

...more
5 5/5 Polite, helpful and understanding

I would also like to take this opportunity to express my gratitude for the service I have received from you and your team.

On every occasion that I spoke to people they were all polite, helpful and understanding. This has made the difficult event I have had to experience a little easier to deal with

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4 4/5 Such a smooth process

I’m really pleased with how easy and smooth the entire process has been. When I come across a company like yours and I do get good customer service, it’s a surprise and a pleasure

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5 5/5 Good working practice

Once again I am staggered by your efficiency and good working practice. You may not appreciate just how reassuring it is to feel your insurance company is doing its best to help.
I have passed on your details for when it is time for them to re-new their policy.
Us alike will, because of the way this claim has been handled re-new our policy with you and perhaps look into changing some of our other policies.

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5 5/5 Thank you

Thank you for all your help with our claim. You have helped to minimize the stress and sadness this incident has caused.

Many thanks for all your time and understanding on all of this, and thank you for understanding the situation and working so hard on our behalf

...more
5 5/5 Our first insurance claim in 47 years of marriage

Thank you and your colleagues for assisting my claim . Yesterday Martindales installed replacement doors to our satisfaction we have been well supported by your company and in particular the staff throughout our claim. This is our first insurance claim in 47 years of marriage, we thank you all for your care and attention and hope to keep claim free in the future.

...more
more reviews

Home Insurance Guides

Home Insurance Comparison: 5 things you need to know

When you compare home insurance quotes, it can become a little confusing and it's all-too-easy to make false comparisons.

Away from Home Cover

If you carry around gadgets and valuables on a regular basis you will need include Away from Home Cover in your Home Insurance.

Subsidence and Home Insurance

This guide should help you understand subsidence better and ensure your home cover is sufficient to protect you against its affects.

Contents Insurance for Tenants

Those who rent nearly always have to provide cover for their own possessions, and tenants insurance provides the financial protection they need.

Home Emergency Cover

The costs involved with repairing the damage home emergencies can cause, and paying for replacements can be considerable.

Outbuilding Insurance for Sheds

Thousands of pounds worth of items are kept in sheds, from mowers and power tools to sports equipment, bicycles and valuable audio equipment.

Optional Extras:

Cycle Cover

Cycle Cover

Extends your contents cover to include bicycles away from home or worldwide with Extended Bicycle Cover.